David S. Harris, CIMA, CRPS
​
Whether you're a business owner, a retiree or an individual just entering the world of investing, David Harris is ready to put over 35 years of financial industry and entrepreneurial experience to work for you!
Wealth Management and Financial Planning in Scottsdale
About
Harris Investment Advisors is an independent, fee-based advisory firm serving retirees, pre-retirees, business owners, and families who want clearer, more coordinated financial decisions. We help clients evaluate investment structure, retirement income, tax considerations, insurance needs, and estate planning issues through a disciplined planning process.
David Harris founded the firm to provide advice grounded in judgment, structure, and fit. Each engagement begins with diagnosis: current holdings, cash-flow needs, risk tolerance, liquidity, tax considerations, existing policies, and coordination gaps. Recommendations are then reviewed for appropriateness, cost, complexity, and long-term alignment before implementation.
When insurance or annuity solutions are considered, they are reviewed within the broader plan, not in isolation. Compensation and conflicts are disclosed clearly so clients understand both the potential role of a solution and the trade-offs involved.
Services
Planning and Portfolio Review
Independent review of current portfolio structure, risk exposure, liquidity, cash needs, and planning gaps.
Retirement Income and Distribution Planning
Coordination of retirement accounts, pensions, Social Security, withdrawal strategy, and income stability.
Tax-Aware Wealth Coordination
Portfolio and planning decisions evaluated with attention to tax consequences, distribution timing, and coordination with the client’s CPA.
Insurance and Annuity Review
Review of existing coverage and evaluation of whether insurance or annuity solutions are appropriate within the broader plan.
Estate and Beneficiary Coordination
Alignment of account titling, beneficiary designations, trust structure, charitable intent, and family planning priorities with outside legal counsel.
Business Owner Planning
Succession, buy-sell review, retirement transition, key-person risk, and coordination between business planning and personal planning.
Process
-
Introductory Consultation
We begin with a conversation to understand your goals, concerns, and whether the relationship is a fit. -
Discovery and Document Review
We review your current planning structure, investment accounts, insurance, estate documents, cash-flow needs, and tax considerations. -
Analysis and Gap Identification
We identify coordination failures, planning risks, cost concerns, and areas where the current structure may not align with your objectives. -
Recommendation and Coordination
We present recommendations in plain English, explain trade-offs, and coordinate with your CPA and attorney when needed. -
Implementation and Ongoing Review
Where appropriate, we help implement agreed changes and continue to review the plan as circumstances evolve.